Foreclosure Prevention

Hacienda's non-profit foreclosure prevention program offers counseling to homeowners that are facing mortgage default, foreclosure, or are simply worried about their home payments. Our experienced, bi-lingual staff will give you honest answers, help you understand your options, and can help you negotiate with lenders for a resolution that helps you avoid foreclosure.

Hacienda is a HUD (Housing and Urban Development) certified Housing Counseling Agency through its affiliation with the National Council of La Raza, the largest national Latino civil rights and advocacy organizations in the United States. This service should not be paid for by anyone...beware of foreclosure scams!

For homeowners, we provide 

• Foreclosure Pvention Information Sessions
• HUD certified housing counseling
• Referral to Legal Aid Services of Oregon
  
• Credit and Budget counseling

Steps we will take

• Present the information in a Foreclosure Prevention Information Session. There we will be available to answer questions and disperse information.
• Develop a plan: identify client’s goals, develop a personalized, realistic loss mitigation plan and outline steps and timeline to meet goals, identify barriers and determine possible solutions;
• Negotiations: work with the lender in certain circumstances;
• Follow-up: Client will communicate with Hacienda CDC and the lender to assure work-outs are accepted or denied and client follows up with assignments and tasks.

<click here> for details on the Foreclosure Prevention Information Session

English forms

<click here> to download a request for modification and counseling packet

<click here> for the Homeownership Intake Form

<click here> for a timeline of the foreclosure process

<click here> for the housing counseling documentation checklist

Spanish Formularios

<click here> para descargar el paquete de consejeria para una cita

<click here> para el formulario de admisión

<click here> para una explicacion del proceso de embargo

<click here> para la lista de la documentación nacesaria para una cita

<Click here> to read Linda's story

For More Information

State of Oregon's foreclosure help http://foreclosurehelp.oregon.gov/

Visit the Federal Program Making Home Affordable at http://makinghomeaffordable.gov/

Foreclosure News

Learn what the Department of Justice is doing to prevent Mortgage and Loan Fraud. Department or Justice

Spreading the word that loan modification scams are taking advantage of the Spanish-speaking community in Portland, Univision reports on Hacienda's free foreclosure prevention work, interviewing participants and staff about the options that homeowners have. To see the video, follow the link to Univision's report, found at Estafas Hipotecarias

Oregon homeowners facing foreclosure have new rights

Lenders required to meet with borrowers about loan modifications

(From The Department of Consumer and Business Services- Oregonians largest business regulatory and consumer protection agency. For more information, visit www.dcbs.oregon.gov.)

(Salem) Today a new law takes effect that strengthens the rights of Oregon homeowners who face foreclosure to help more families stay in their home during this difficult economic climate.

Senate Bill 628, passed by the 2009 Oregon Legislature, requires lenders to meet with borrowers facing foreclosure either in person or by phone and evaluate whether they qualify for a loan modification. A loan modification could help borrowers lower their monthly payments and keep their home. +more

Foreclosure Prevention Events and Workshops in Oregon. Oregon.Gov DCBS

No Se Convierta en Víctima de Estafas Hipotecarias

http://www.sdcounty.ca.gov/sdhcd/docs/mortgage_scam_brochure_span.pdf

Don’t become the next victim of a mortgage scam!

http://www.sdcounty.ca.gov/sdhcd/docs/mortgage_scam_brochure_span.pdf